Opting-out of Online Targeted Advertising

Advertising seeks to target the right products to the right audience. Online advertising
is no different. Besides the benefit of having relevant advertising, consumers also
benefit from targeted online ads because low- or no-cost online content and services
often flow from the ability for advertisers to utilize such advertising. Most online
ads aren’t matched to you as an individual, but to data categories — such
as demographics, interest groups, location or online behavior. The websites you visit
work with online advertising companies to provide you with advertising that is as
relevant and useful as possible.

Experian works with advertising partners on behalf of our clients to enable the
delivery of relevant online targeted advertising to consumers, while respecting consumer
privacy and offering choices about participating in such activities. Experian uses
data elements from our marketing databases to assist our clients in presenting appropriate
offers to consumers. Experian also works with advertising partners to deliver targeted
advertising related to Experian’s own products and services. To facilitate targeted
advertising, Experian and our third-party partners utilize “cookies” (explained
below) and other audience matching technologies.

In addition, third parties may collect data about browsing activities on Experian
websites and other unrelated websites over time, for online targeted advertising purposes.

See “Opting-out of Online Targeted Advertising” (below) to learn about
choices available to you with respect to this type of advertising.

Cookies and Web Technologies We, our service providers,
and/or non-affiliated third parties, may use “cookies” or similar technologies
such as so-called “pixel tags” on the Site.

Cookies are small text files that a web browser uses to store data to make a website
experience easier and faster. This technology only stores certain data, such as your
website behavior, browser information and your perceived interests. Cookies are the
primary technology that enables our advertising partners to display relevant ads to
you.

Pixel tags, also known as “web beacons” or “clear GIFs”,
are small electronic images, often a single pixel (1x1), that are ordinarily not visible
to website visitors and may be associated with cookies on the visitors’ hard
drives. Pixel tags allow us to count users who have visited certain pages of the Site,
to deliver branded services, to provide online advertising, and to help determine
the effectiveness of promotional or advertising campaigns.

Our advertising partners may place a pixel tag or cookie on certain websites, such
as a website registration page. This enables our partner companies to later display
a relevant advertisement to you based on your website browsing behavior. This type
of online, targeted advertising — known as “retargeting” —
is used to re-engage consumers who previously visited a website. To measure the effectiveness
of the online targeted advertising you see, we partner with companies to evaluate
your interactions with the ads. Certain information may be collected and shared with
these partners, including what ad you received, when you viewed it and whether you
clicked on the ad.

Opting-out of Online Targeted Advertising

Experian adheres to the Digital Advertising Alliance (DAA) Self-Regulatory Principles.
You can opt out of online targeted advertising by Experian and other companies participating
in the DAA program through the DAA Consumer Choice page, which is available in versions for desktop
and mobile browsers. The DAA also offers a separate choice tool for the collection
of cross-app data on mobile devices for online targeted advertising and other applicable
uses. To exercise choice applicable to companies participating in this choice tool,
you can install the DAA’s AppChoices app. Please ensure you review the opt-out
choices available to you within the applicable policies on other Experian owned, affiliated,
or operated websites.

A major element of the DAA program is the creation and broad adoption of a clickable
“icon” to be placed on or near online advertisements (or on web pages
or in apps) that links users to information about online targeted advertising, identifies
advertising companies involved in serving such ads, and describes their data collection
practices. If you click on the icon on or near an online or in-app ad, you will learn
more about the ad and your online targeted advertising choices.

To facilitate an opt-out through the DAA Consumer Choice page, one or more opt-out
cookies will automatically be placed on your device to block further online targeted
advertising. If you ever delete an opt-out cookie, clear your cookies, use a new browser
or purchase a new device, your opt-out preference will not be maintained. You will
also need to opt-out again from Experian’s services every five years for each
internet-enabled device you use. It is only when the opt-out cookie is present and
can be read on your browser that we can know you decided not to participate in online
targeted advertising.

Contacting Experian to Opt Out You also may contact
Experian directly to opt out of online targeting advertising. Opting-out of online
advertising from Experian in this way will only stop targeted ads that use Experian’s
marketing data. You must opt-out of other companies’ targeting methods to stop
others from targeting you. Advertisers may use several companies’ data to target
ads; therefore you may continue to see the same or similar ads, though they are not
stemming from Experian marketing data. See “Opting-out of Online Targeted Advertising”
(above) to learn more about the choices available to you about online targeted advertising.
After you opt-out, you will likely still see the same number of ads as before, but
will probably find them less relevant.

You can contact Experian by calling us at 1 402 458 5247 or by sending your complete
name (including any name variations), mailing address, complete telephone number (including
area code) and email address to optout@experian.com
or to the below postal address.

ExperianAttn: Opt-out ServicesPO Box 80128Lincoln, NE 68521

Please specify if you wish to be removed from online targeted advertising. If you
move or change your name, you will need to opt-out again with your new address or
name.

When you opt-out with Experian, your information is not deleted from the Experian
marketing database. Experian will mark your record as “Do Not Online Target”
for a period of five years. You can renew your opt-out request after this five-year
period. If Experian removed your information completely, we would have no way to know
your preference.

In addition to the opt-out options already described, consumers can opt out of
Audience IQ directly by clicking the opt-out link below. If you choose to opt out
of Audience IQ targeted ads, Audience IQ will set an opt-out flag based on your profile,
which is designed to prevent Audience IQ from collecting data or using data for online
display advertising. Audience IQ’s opt-out flag is effective for the specific
browser associated with the computer requesting the opt-out reference. Please note,
however, that if you or another user deletes the Audience IQ cookie, or if you use
a different browser or device, you will have to reset your opt-out flag again. If
you do not, we will not know that you have opted out, and we will set a new Audience
IQ cookie, which will be matched with marketing information we have previously collected
about you.

After you click the opt-out link, you should see a green check mark in the upper
left corner of the browser. The green check mark indicates that you have successfully
opted out from this network. If you see a red X, then please click
here for details.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.